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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,917 | $157,304-96.2% | $141,197-95.8% | $152,909-96.1% |
| Participation rate | 50.0% | 84.8%-34.8pp | 82.5%-32.5pp | 82.5%-32.5pp |
| Annual return | 35.98% | 64.34%-28.4pp | 71.41%-35.4pp | 345.46%-309.5pp |
| Employer contribution / active EE | $523 | $5,263-90.1% | $4,736-89.0% | $4,764-89.0% |
| Participant deferral / active EE | $2,360 | $7,111-66.8% | $6,710-64.8% | $5,851-59.7% |
| Admin fee / account holder | $1,829 | $12,126-84.9% | $10,265-82.2% | $11,601-84.2% |